Banco BAI Europa products, services and reviews

About Banco BAI Europa

Banco BAI Europa, S.A. is a Portuguese bank headquartered in Lisbon and part of the BAI Group, majority‑owned by Banco Angolano de Investimentos (BAI). It is authorized and supervised by Banco de Portugal within the EU Single Supervisory Mechanism and participates in the Portuguese Deposit Guarantee Fund, which currently protects eligible deposits up to €100,000 per depositor, per institution. The bank provides retail and corporate banking with a focus on clients engaged in Portugal–Africa trade and investment, offering current accounts, term deposits, payment services, domestic SEPA and international transfers, foreign exchange, bank guarantees and documentary trade finance, and credit solutions subject to underwriting and collateral. Account opening requires standard identification and KYC documentation and, for businesses, information on beneficial ownership; non‑resident clients may be accepted subject to enhanced due diligence. Access is available through branch and remote channels, including online banking for payments and account management; fees apply for maintenance, transfers, cash services, and FX, with pricing schedules and interest rate tables published by the bank and updated periodically. As a credit institution subject to EU prudential rules (CRR/CRD), Banco BAI Europa publishes audited annual financial statements and Pillar 3 risk disclosures and complies with AML/CFT, FATCA, and CRS reporting obligations. Deposit protection does not extend to instruments such as bonds or structured products, and lending and investment services involve market and credit risks that clients should assess in line with their own circumstances.